債務重組涉及與各債權人協商新的還款方案，以緩解原有債務負擔。然而，由於新的協議可能損害債權人的利益，因此欠債人和債權人之間達成重組協議並非易事。常見的個人債務重組計劃條款一般如下： How does an IVA affect your life? An IVA can be an insolvency Resolution and may affect your finances in many ways. Your credit history rating is afflicted for six years, with the date the arrangement is ag... https://simonmalxh.actoblog.com/30277938/the-definitive-guide-to-iva-ivahk-top